Author Topic: Unemployed and desperate--with a pet  (Read 6800 times)

The Grim Lifter

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Re: Unemployed and desperate--with a pet
« Reply #25 on: March 27, 2011, 01:39:34 AM »
I do not understand how stupid people are, how can you waste your money on worthless shit when you don't know what could happen in the future.

Getbig is so much more intelligent than the rest of society. If we could get people like Croatch and gh15 to get over their insecurities we could take over the world.

Naggash

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Re: Unemployed and desperate--with a pet
« Reply #26 on: March 27, 2011, 01:41:59 AM »
Hasn't Croatch spent heaps on tatoos and GH15 alot on drugs?

Parker

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Re: Unemployed and desperate--with a pet
« Reply #27 on: March 27, 2011, 01:48:03 AM »
How would the pet suffer exactly? It doesn't need material garbage to sustain it and doesn't have a lavish lifestyle to maintain.

Basic food, protection from worms and fleas, and its owner love will suffice. I'll never not be able to provide those things.

I'd make a big list of other things I could do without before I got rid of a pet.
HOW ARE YOU GOING TO AFFORD THAT WHEN ONE IS LOSING THEIR HOUSE OR CAN'T PAY BILLS?

Priorities over wants and needs and luxuries, which a pet is...nobody needs a pet, unless it's a seeing eye dog...

There was someone on here that said that their aunt had a dog that had tumors, but she was keeping him alive, just to keep him around, even though it was in misery. Same deal, people are selfish, and want pets around when they can't afford to have them. Are you one of those people?

Priorities are: Food, Shelter, Water, Clothes
to pay for that: Job, to get there: Car

pets don't fit anywhere near there

Naggash

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Re: Unemployed and desperate--with a pet
« Reply #28 on: March 27, 2011, 01:53:32 AM »
HOW ARE YOU GOING TO AFFORD THAT WHEN ONE IS LOSING THEIR HOUSE OR CAN'T PAY BILLS?

Priorities over wants and needs and luxuries, which a pet is...nobody needs a pet, unless it's a seeing eye dog...

There was someone on here that said that their aunt had a dog that had tumors, but she was keeping him alive, just to keep him around, even though it was in misery. Same deal, people are selfish, and want pets around when they can't afford to have them. Are you one of those people?

Priorities are: Food, Shelter, Water, Clothes
to pay for that: Job, to get there: Car

pets don't fit anywhere near there


If I ever reached the point where I couldn't handle an extra $10-15 for dog food a week I'd say I would've failed at life.

If you ever find yourself in a position like that maybe you shouldn't have had a dog in the first place.

Luckily I save.

The Grim Lifter

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Re: Unemployed and desperate--with a pet
« Reply #29 on: March 27, 2011, 01:55:44 AM »


Priorities are: iPhone, iPad, getting hair done
Wants (i.e. What the government should pay you extra to buy); Food, Food for Kids, Shelter




Fixed for Generation Nothingness

Naggash

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Re: Unemployed and desperate--with a pet
« Reply #30 on: March 27, 2011, 01:56:45 AM »

Xerxes

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Re: Unemployed and desperate--with a pet
« Reply #31 on: March 27, 2011, 01:58:20 AM »
Priorities are: Food, Shelter, Water, Clothes
to pay for that: Job, to get there: Car

pets don't fit anywhere near there

nuggah I ride the bus, cars are a luxury

Parker

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Re: Unemployed and desperate--with a pet
« Reply #32 on: March 27, 2011, 02:04:44 AM »
If I ever reached the point where I couldn't handle an extra $10-15 for dog food a week I'd say I would've failed at life.

If you ever find yourself in a position like that maybe you shouldn't have had a dog in the first place.

Luckily I save.
Hey, a extra 10-15 can go a long way, especially in paying bills off, or investing...it's when people can't pay their bills or lose their house...that is the problem you are missing.. And sometimes it's the pet that is eating into it, and it also depends on how big the pet (dog) is. Or vet bills. Or in what type of health it is in.

You seem to ignore the whole premise of the OP's thread...umemployed, losing home, can't pay bills, but you have a pet...that is a luxury burden...hand it over to a family member if possible once  aperson gets their stuff together.

nuggah I ride the bus, cars are a luxury
Cars are a must where I live at....plus, we went over this before. Do you know what type of people ride the bus over here?

Let me run this down to you, imagine the Getbiggers you can't stand the most...riding the bus with you. Now, imagine if they don't have a car, don't have insurance for car, lost their car,  can hardly pay their rent, or bus fare.
You think Epic Beard man was a isolated incident? I know people who have been robbed at bus stops, clothes, timberlands, everything except for their underwear. Those are the people that ride the bus over here.

Xerxes

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Re: Unemployed and desperate--with a pet
« Reply #33 on: March 27, 2011, 02:06:33 AM »
just kidding bro, I know you yanks cant wont take a bus  ;D

Xerxes

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Re: Unemployed and desperate--with a pet
« Reply #34 on: March 27, 2011, 02:15:13 AM »
btw parker, the buses you guys have that go from the airport aren't too bad though? I remember I took a bus from Detroit international to East Lansing and there was no drama or even noise

FitnessFrenzy

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Re: Unemployed and desperate--with a pet
« Reply #35 on: March 27, 2011, 02:38:45 AM »
I was just in Latvia and there many starving homeless people have pets. I would also like to have a dog to accompany me if I was starving and poor..

Tito24

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Re: Unemployed and desperate--with a pet
« Reply #36 on: March 27, 2011, 02:51:35 AM »
im a large man but one with a plan

Parker

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Re: Unemployed and desperate--with a pet
« Reply #37 on: March 27, 2011, 02:56:04 AM »
btw parker, the buses you guys have that go from the airport aren't too bad though? I remember I took a bus from Detroit international to East Lansing and there was no drama or even noise
No, they are not too bad, neither are the commuter buses to Washington, DC...those tend to be government folk....

fisrt time I ever rode on a Baltimore City (aka Bodymore) bus, it was at night, and me and acollege friend were riding...there were three dudes and one dude was talking about how he shot this dude and his son...we (my friend and I) were the only ones on the bus....and they noticed that. 

Dr Dutch

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Re: Unemployed and desperate--with a pet
« Reply #38 on: March 27, 2011, 02:59:11 AM »
You can eat your pets.

RJ DRIVER

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Re: Unemployed and desperate--with a pet
« Reply #39 on: March 27, 2011, 03:42:50 AM »
Lately I have been seeing a lot of profiles (on TV, in newspapers, etc.) about people who are either unemployed and or struggling financially.  The profiles always paint the person as a victim of unfortunate circumstances.  Many are living paycheck to paycheck, drawing on a meager savings account, or depending on friends or family to help them make it from month to month.  Just as I start to feel sorry for them I read that the person—who may not know where their next meal is coming from—has a pet.  Often it is a dog, and I find myself thinking, "why does this person have a pet if they are so hard up?"  I like pets as much as the next guy, but I have a hard time feeling sorry for someone who can afford to have a pet or doesn't have the sense to part with the animal if they are not in a position to afford one. >:(

Discuss.

These people are always the ones that have 10 kids too.  For the most part these people put themselves into the situation by not preparing when times are good.

Tapeworm

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Re: Unemployed and desperate--with a pet
« Reply #40 on: March 27, 2011, 04:07:17 AM »

Xerxes

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dr.chimps

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Re: Unemployed and desperate--with a pet
« Reply #42 on: March 27, 2011, 04:22:41 AM »
Lately I have been seeing a lot of profiles (on TV, in newspapers, etc.) about people who are either unemployed and or struggling financially.  The profiles always paint the person as a victim of unfortunate circumstances.  Many are living paycheck to paycheck, drawing on a meager savings account, or depending on friends or family to help them make it from month to month.  Just as I start to feel sorry for them I read that the person—who may not know where their next meal is coming from—has a pet.  Often it is a dog, and I find myself thinking, "why does this person have a pet if they are so hard up?"  I like pets as much as the next guy, but I have a hard time feeling sorry for someone who can afford to have a pet or doesn't have the sense to part with the animal if they are not in a position to afford one. >:(

Discuss.
You often see homeless people with pets. Granted, some are 'props,' but for most of them pets stave off loneliness and provide a sense of purpose. Very primal stuff.

BIG AL MCKECHNIE

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Re: Unemployed and desperate--with a pet
« Reply #43 on: March 27, 2011, 04:37:41 AM »
If you can afford it, wonderful!  More power to you, but why appear in whiny articles about how broke and desperate you are if you can afford a pet?  Most people—especially people who do not have pets—see them as a luxury.

I always thought your people were compassionate and understanding.  Seems you are the exception.

240 is Back

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Re: Unemployed and desperate--with a pet
« Reply #44 on: March 27, 2011, 05:08:34 AM »
I saw a couple on TV who were on social benefit or how do you say that in English.
They were complaining about the money they got each month.
They were disgustingly fat, had 4 large dogs and both smoked heavily.

Palin's fault.

Natural Man

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Re: Unemployed and desperate--with a pet
« Reply #45 on: March 27, 2011, 05:50:27 AM »
some people obviously prefer having pets than children. Something went really wrong in their family in the first place obviously.

BayGBM

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Re: Unemployed and desperate--with a pet
« Reply #46 on: March 27, 2011, 08:05:48 AM »
A Homeowner With No Savings, but Some Options
By TESS VIGELAND

GRASS VALLEY, Calif.

IF you’re worried that you haven’t saved enough for retirement, you’re probably right. Most of us haven’t. In fact, the Employee Benefit Research Institute found the majority of American workers had put away less than $25,000 for their golden years.

But even those people are in better financial shape than Susanna Wilson, 70, who saved nothing.

Her only dependable income is a Social Security check of about $900 a month.

“I can never retire,” she said, her voice trembling as she stared at the floor of her living room in Grass Valley, Calif. “Probably about every two weeks when the bills are due, that’s when I get really worried. I think ‘How am I going to pay this one?’ ”

It should never have come to this. Ms. Wilson attended the University of California, Berkeley, in the late 1950s, though she left before graduating to move to New York and marry her college sweetheart, the Minimalist sculptor and sometime rock musician Walter De Maria.

Ms. Wilson spent her prime earning years engaged in various creative endeavors in New York, mostly as a designer. Her clothing line, O’Susanna, found a home in the late 1970s at Saks Fifth Avenue and Bloomingdale’s. Glamour and Seventeen magazines featured Perfumes by Susanna, including a popular fragrance called Strawberry Love.

In her 40s, Ms. Wilson moved to California and became a publicist. At her peak, she made around $65,000 a year, she said, and not a penny of that made its way into a retirement fund. “One thing kind of led to another,” Ms. Wilson said. “I’ve always put all my money into my businesses. And I always thought the business I was in was going to be a great success.” She also raised a daughter, Corie, 36, who lives in Los Angeles with her two children and is not in a position to help her mother financially.

Now twice divorced and living alone with her Shetland Sheepdog, Rooney, Ms. Wilson subsists on those government checks, plus a one-day-a-week job at a local jewelry store that pays $12.50 an hour. She received no alimony from either divorce. Ms. Wilson also makes little girls’ dresses under her O’Susanna label, at a vintage Singer Featherweight sewing machine in her dining room. But she sells only about six a month for around $200.

Grass Valley, an old gold mining town of 12,300 residents in the foothills of the Sierra Nevada, near Lake Tahoe, isn’t an expensive place to live. But Ms. Wilson isn’t the only one struggling. Her friend Molly Fisk, 55, a poet and teacher, was visiting the house and joked that her retirement planning was “all tied up in MasterCard futures. Sad but true.”

Ms. Wilson would probably manage on her current income, though not without sacrifice, were it not for the debt she had accumulated. All told, she averages about $1,400 in monthly income, including Social Security (adjusted for one of her former husbands’ earnings). A third of that goes toward fixed expenses like utilities. She pays $300 toward a mortgage balance of $5,477. She inherited the house, fully paid off, from her parents, but took out the mortgage a few years ago to pay for repairs.

The balance of her income goes toward the monthly minimum payments on $9,000 in credit card debt, racked up for daily living expenses. “I think I might just have to declare bankruptcy,” she said. “I just can’t live with that.”

Before she takes that drastic step, Ms. Wilson should consider some other options, said Elizabeth Rutter Baer, a certified financial planner in Lansing, Mich. She worries that Ms. Wilson is “extremely close” to the edge and isn’t getting anywhere with her debt payments because she keeps putting more expenses, like food, on her credit cards.

Yes, she could try to find other income, Ms. Baer said. But that’s a short-term solution. At some point, despite her excellent health, Ms. Wilson may not be able to work. “Bankruptcy is possible, but my advice is, let’s liquidate assets and get those debts paid off,” Ms. Baer said.

To that end, Ms. Baer recommended something she said she had never before suggested: a reverse mortgage. Such mortgages allow homeowners to tap existing home equity to receive a lump sum or monthly checks. Unlike a home equity loan, however, borrowers don’t have to make any repayments until they no longer live in the home. The strategy can be risky, with high fees and sometimes poor counseling for borrowers. Reverse mortgages are available only to homeowners 62 or older.

“Susanna is the ideal candidate,” Ms. Baer said. “This is one instance where it could work.”

The house is valued from $150,000 to $200,000. Ms. Baer said Ms. Wilson should work with a bank to see if she could wrap the current mortgage into a reverse and then take cash out. Ms. Wilson is already making phone calls to explore the idea.

Ms. Baer also noted that Ms. Wilson was part owner, with her two brothers, of several tracts of timberland in northern California. The land’s value has dropped because of the economy, but Ms. Baer said that shouldn’t stop them from selling it.

“Whatever the purpose of this land was before, today’s the rainy day,” she said. “It may not be that much, but at this point $25,000 would change her life, totally.” Ms. Wilson said she was discussing this with her brothers and a real estate agent.

Ms. Baer, who is 67 and single, said there were particular financial difficulties facing single people as they aged. Even people in a relationship should make financial plans that can work even if they were to be single during retirement, she said, adding, “Nobody knows who’s going to be there at the end.”

Ms. Wilson agreed with that assessment. “I have friends, and they’re two people together, and it’s a lot easier.” At that point she again spoke through tears. “My Mom would say, ‘Why don’t you just go and get married?’ and that’s just not me,” she said. “I believe you have to love somebody.”

Ms. Baer’s advice provided a push for her to explore some options she had already thought about, but hadn’t followed through on, Ms. Wilson said, because she had been paralyzed by the fear of what might happen if she could no longer generate extra income. Overcoming that fear will be key to recovering her financial health. And she’s confident that will happen.

“I don’t want to be a Pollyanna,” Ms. Wilson said. “But tomorrow is another day.”

BayGBM

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Re: Unemployed and desperate--with a pet
« Reply #47 on: March 27, 2011, 08:11:30 AM »
'They can't afford their pets'
BY JOY BLACKBURN

Virgin Islanders gave up their pets in record numbers last year in what may be another indicator of the continuing toll of hard economic times.

The number of animals the St. Croix Animal Welfare Center took in during 2010 jumped by 20 percent over the previous year - and reached a significantly higher level than it had in any year during the previous five years, said Gretchen Sherrill, shelter coordinator.

While the numbers are grimmest on St. Croix, they number of animals turned into shelters last year also rose significantly on St. Thomas.

Sherrill believes the state of the economy - and the money problems many are experiencing - are driving the increase.

The numbers
In 2009, the St. Croix Animal Welfare Center took in 3,016 animals, either given up by their owners or picked up as strays, Sherrill said. Intakes had remained fairly constant over about five years, hovering around the 3,000 mark.

And then, in 2010, that number jumped dramatically to approximately 3,600 animals - a 20 percent increase, she said.

"People say they can't afford their pets anymore," Sherrill said. "We have heard that financial reason given much more frequently than before. I do think the economy is playing a role."

While the Humane Society of St. Thomas also saw an increase in animal intakes during 2010, it was not nearly so steep as on St. Croix.

In 2009, the Humane Society took in 1,890 animals on St. Thomas, while in 2010, that number increased to 1,975 - a 4 percent jump, said Annabel Hiltz, operations manager at the Humane Society of St. Thomas.

On St. John, the number of animals taken in by the Animal Care Center - a no-kill shelter - has remained fairly constant.

"It pretty much stays the same," said Diana Ripley, former president and current board member and committee chair for shelter operations at the Animal Care Center. "The difference is how many get adopted and how long they stay with you. We've had dogs up to three years. We try our best to keep moving them."

In 2010, the shelter on St. John took in 163 animals, six fewer than in 2009, Ripley said.

It is telling, Sherrill said, that even with similar populations in the island districts, St. Croix has so many more unwanted companion animals - even during average years - than St. Thomas and St. John combined.

"It's really entirely too high here," she said, speaking of St. Croix.

The problem
Dealing with the problem of an exploding population of unwanted companion animals on an island that has a relatively constant population of humans requires a multi-faceted approach, Sherrill said.

A new low-cost spay-neuter program that is starting up on the island will help, she said.

But it will deal with only part of the problem.

There are too many people, Sherrill said, who simply don't plan well enough and find themselves in situations where they cannot keep their pets, even in average years. Oftentimes those people wind up either turning their companion animals in at the shelter directly or simply turning them loose.

People should consider the cost of responsible pet ownership before taking an animal in, she said.

"There's always been a segment of the population that get pets, and then can't afford them," she said. "Also, there has been an issue of continentals leaving and they either don't want to, or can't afford to pay the airline fees to take their animals back with them."

However, as the recession continues to take its toll, more owners - even those who never expected to - are finding themselves in situations where they can no longer afford their animals.

Financial reasons for giving up a pet run the gamut from being unable to meet the basic costs to feed and shelter the animal, to being unable to afford veterinary care for animals that have taken ill, she said.

She urged owners who are unable to keep their pets to either find them a new home on their own or to call the shelter - and not to simply set them loose.

Read more: http://virginislandsdailynews.com/news/they-can-t-afford-their-pets-1.1118993#ixzz1HoT4XXmK

Devon97

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Re: Unemployed and desperate--with a pet
« Reply #48 on: March 27, 2011, 09:16:02 AM »
Lately I have been seeing a lot of profiles (on TV, in newspapers, etc.) about people who are either unemployed and or struggling financially.  The profiles always paint the person as a victim of unfortunate circumstances.  Many are living paycheck to paycheck, drawing on a meager savings account, or depending on friends or family to help them make it from month to month.  Just as I start to feel sorry for them I read that the person—who may not know where their next meal is coming from—has a pet.  Often it is a dog, and I find myself thinking, "why does this person have a pet if they are so hard up?"  I like pets as much as the next guy, but I have a hard time feeling sorry for someone who can afford to have a pet or doesn't have the sense to part with the animal if they are not in a position to afford one. >:(

Discuss.

THis is quite simple Bay, I'm sure you know the answer.

Companionship.

wes

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Re: Unemployed and desperate--with a pet
« Reply #49 on: March 27, 2011, 09:18:01 AM »
I love my dogs better than most people I know.